Las Cruces, NM Car Insurance Company FAQ

Finding good car insurance in Las Cruces can be challenging since there are a lot of options and choosing the right Las Cruces auto insurance agent is not as easy as just using the same insurance agent as your neighbor. You require a good professional insurance agent, but also the best car insurance prices in Las Cruces.

Having so many car insurance companies to choose from, it can be impossible to pick the lowest price car insurance company.

Why do I need an agent?

Professional agents can point out coverage gaps and help you file claims. The biggest benefit of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is emailed to participating agents in Las Cruces who will give you bids for your coverage. You don’t have to drive around because quoted prices will be sent directly to your email. How’s that for easy!

Deciding on an insurance agency should depend on more than just the premium amount. Any agent should be forthright in answering these questions:

Do they feel the quoted coverages are adequate?
Do they assist clients in filing claims?
Is working in the agency their full-time job?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Will your rates increase after a single accident?

Las Cruces insurance agencies come in two flavors

When looking for a good insurance agency, there are two different agency structures that you can select. Agents are classified as either independent or captive. While both can properly insure your vehicles, but it’s worth mentioning the differences since it can impact your agent selection.

Captive Insurance Agents

Captive agencies can only write with one company and examples are AAA, Allstate and State Farm. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Captives receive extensive training on their products and sales techniques which helps them compete with independent agents. Some people will only choose to use a captive agent primarily because of the brand legacy and the convenience of having all coverages with one company.

The following is a short list of captive agencies in Las Cruces willing to provide price quotes.

Farm Bureau Financial Svc – 1308 Arizona Ave – Las Cruces, NM 88001 – (505) 647-4743
Farmers Insurance Group – 1591 E Lohman Ave # J – Las Cruces, NM 88001 – (505) 525-3106
Allstate Insurance – 2990 N Main St # 2a – Las Cruces, NM 88001 – (505) 541-5870
State Farm Insurance – 3850 Foothills Rd – Las Cruces, NM 88011 – (505) 382-4427

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, it’s recommended you contact multiple independent agents for maximum quote selection.Most can insure with lesser-known insurance companies which can save you money.

The following are Las Cruces independent insurance agents who can help you get price quotes.

Talbot Agency Inc – 255 E Lohman Ave – Las Cruces, NM 88001 – (505) 524-8686
Gregg Martin Agency – 250 W Amador Ave # 101 – Las Cruces, NM 88005 – (505) 525-3107
Cano Insurance – 1220 N Reymond St – Las Cruces, NM 88005 – (505) 647-9774
Insure Core Agency – 2000 E Lohman Ave # E – Las Cruces, NM 88001 – (505) 525-3222
Farm Bureau Insurance – 1799 Avenida DE Mesilla – Las Cruces, NM 88005 – (505) 647-9099

To view a full list of Las Cruces insurance agents, please go to this site.

Upon receiving answers to your satisfaction to any questions you have and a low price estimate, you have narrowed it down to an auto insurance agent that meets your needs to properly insure your vehicles.

The online alternatives

Auto insurance agents serve a purpose, but you can also buy New Mexico car insurance direct online. A few companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also give you the ability to buy direct on their websites, and that is helpful if you prefer to buy online.

If you’re concerned about whether or not you’ll have guidance when buying online, don’t sweat it. Auto insurance companies that require consumers to choose their own coverages give you access to trained agents to answer any questions you may have.

Is pricing better online? Whether or not you’ll save is impossible to say due to the fact that there are many factors that influence how your policy is priced. It’s often assumed that purchasing direct online saves money because there is no commission. But truthfully, there are very high advertising costs so the rates may be similar to buying from an agent.

Quote often and quote early

Drivers change insurance companies for a variety of reasons including being labeled a high risk driver, policy non-renewal, high prices or denial of a claim. Regardless of your reason, choosing a new insurance company can be easier than you think.

The cheapest car insurance can be bought both online as well as from independent agents in Las Cruces, and you need to comparison shop both to have the best rate selection. Some insurance providers don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

Online resources for education

More detailed New Mexico car insurance information is located at the New Mexico Insurance Division website. New Mexico consumers can file complaints about a company, discover disciplinary actions, find disaster information, and get help finding coverage.

The following articles may also be useful.